Texas Commercial E&S


Apartments Condos Associations

Coastal Exposures Mid-Size to Small Risks

Coverage is rated A- (Excellent) by AM BEST

Program Highlights

With policies available on the coast, including those hard to write areas – such as Brazoria, flexible underwriting options and additional coverages and extensions, our program is sure to please.

Eligible Classes and Program Focus

  • Apartment Buildings & Complexes
  • Condominium Associations & Complexes
  • With or Without Retail
  • Single and Multiple Location
  • Small to Mid-size Risks
  • Ex-Wind is Available

Coverage Areas and Limits

  • TIV – Up to $20 million per location.
  • Open in select counties: see map on right.
  • Risks located south of I-10 Harris County – Up to
    $7,500,000 OK. Over 7.5 million not eligible.
  • Risks located on barrier islands – Up to
    $5,000,000 OK, Over $5 million not eligible.

Additional Coverages

  • Building/Real Property
  • Personal Property
  • Business Interruption
  • General Liability
  • Equipment Breakdown
  • Crime
  • Employee Benefits
  • Hired/Non-Owned Auto
  • Terrorism
  • Ordinance or Law


View Quick Reference Guide

Coverage Map

Review each county to view available coverages.

Carriers and Ratings

Coverage is written by carriers rated A (Excellent), class X or better by AM Best.

Property Broadening Forms

You’ve got options. Add additonal coverages and features such as personal property, crime and equipment breakdown. Select each form below to view all available additional coverages and extensions.

Property Broad Form A

Adds 19 coverages plus extensions

  • Includes $25,000 of BI/EE coverage
  • Includes Ordinance or Law Coverage A to Real
Limits and $100,000 EACH Coverage B & C

View Form

Property Broad Form B

  • Adds Money & Securities
  • Adds 5 coverage extensions
  • Amends signs limit
  • Adds $10,000 backup coverage
  • Adds $10,000 EE, even if EE is on main policy


View Form

Check out our Agent Resource Center for a more in depth look at all our packages, forms and features.